For private-sector workers in Saudi Arabia, the end-of-service award is often the largest single payment of a working life. It's half a month's last wage for each of the first five years and a full month for each year after, reduced on resignation under Article 85. The last wage includes fixed allowances such as housing and transport.
Day-to-day money questions in the Kingdom also involve 15% VAT on most goods and services, zakat on savings, and instalment financing. The calculators below cover each, in riyals where it matters.
1. End-of-service award
Your award under Articles 84, 85 and 87, including the resignation tiers and full-award cases.
2. VAT and zakat
Add or remove 15% VAT from a price, and calculate zakat on gold, silver and cash.
3. Financing and savings
Monthly instalments on a car or home finance offer, and how savings grow over time.
- Loan EMI CalculatorWork out the monthly instalment (EMI) on a loan, the total interest you'll pay, and how much of the first payment goes to interest.
- Compound Interest and Savings Goal CalculatorSee what your savings grow to with compound interest and monthly deposits, and how much you'd need to save each month to hit a goal.
- Salary to Hourly CalculatorConvert an annual salary to an hourly rate, or an hourly rate to its annual equivalent, with your real work schedule, not a generic 2,080-hour assumption.
Questions people ask
Do expatriates get end-of-service pay in Saudi Arabia?
Yes. The Labor Law's end-of-service provisions apply to workers it covers regardless of nationality. Domestic workers are covered by separate regulations.
What is the VAT rate in Saudi Arabia?
15% on most goods and services. To remove it from a VAT-inclusive price, divide by 1.15.
Does the loan calculator work for Islamic financing?
For fixed-rate murabaha or ijara offers quoted with an annual profit rate, the instalment arithmetic is the same, so it's a good estimate. Confirm fees and early-settlement terms with the bank.